Vanquis considers every application on its own merits, so we encourage you to apply even
if you have had credit problems in the past. No annual fee. Up to 56 days interest free on purchases. Free
additional cardholder (only after 6 months). Free fraud monitoring - we'll warn you of any
suspicious activity on your account. Chip & PIN technology for added
security whenever you use your card. Visa is widely accepted in the UK and
abroad. Convenient for paying online and over the phone.

Representative Example:
If you borrow £1000 at a purchase rate of
39.94% p.a.(variable),
you will pay 39.9%
APR Representative (variable).

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or whether it is suitable for your personal circumstances. The information provided
is to help you to make your own choice about how to proceed.

The New Year is upon us and alongside the bags of goodwill, sacks of presents and boxes of leftover mince pies that remain, for many people there is also a sizeable amount of debt that dauntingly looms over as they trudge back to work their next pay check all too far away.

Mark Carney, talking to Birmingham Post, had claimed that inflation likely to drop below 1% over the next few months, not rising again until late 2015. “…for this economy to have balance and inflation to get back to 2% [the Bank of England’s target] over the next few years…in all likelihood…interest rates are going to have to increase”.

Credit card providers are to be placed under the microscope by the Financial Conduct Authority (FCA) to determine whether they advertise their products too forcefully, leading to vulnerable, reckless borrowers plunging themselves into debt they have no way of ever repaying.